JPH11120262A - Account remainder notify system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To previously avoid the state of disabling account transfer because of the lack of the remainder, to live a safe social life and to attain smoothing in production activities by notifying an account user of the fluctuated account remainder according to received account remainder fluctuation information. SOLUTION: An account remainder fluctuation information receiving means 1 receives the account remainder fluctuation information fluctuating the account remainder. An account remainder notifying means 2 notifies the account user of the account remainder fluctuated according to the received account remainder fluctuation information. The information fluctuating the account remainder includes the information of actual transfer or fluctuation information increasing the remainder such as reception information at the time of reception due to exchange as well in addition to demand data showing the schedule of transfer. The user is automatically notified of the increase/decrease of the remainder related to his own account even without inquiring is so that the information showing the decrease of the account remainder caused by scheduled exchange processing is useful for preventing the lack of the remainder especially.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account balance notifying system for notifying an account balance of a deposit and savings established in a financial institution.

[0002]

2. Description of the Related Art A means for a financial institution user to know an account balance that fluctuates due to use of account transfer, cashing, a credit card, a cash card, or the like, is that the user goes to a financial institution or operates an automatic transaction device. One that has been put to practical use or has been proposed is one that receives notification of the account balance or the like at that time by operating a terminal connected to the center of a financial institution. For example, there are entry into a passbook by an automatic machine, balance inquiry, FAX, telephone, balance inquiry by a home banking terminal, and the like.

[0003] Regarding deposits, there is also a service for notifying the fact of the deposit and the amount of the deposit by telephone each time a deposit is made, or the remitter automatically performs the transaction of the purpose of the remittance such as the details of the remittance and celebration in addition to the deposit amount. An apparatus (Japanese Patent Laid-Open No. 9-62901) has been proposed in which a message input by operating the apparatus is sent to a facsimile of a user of a remittance destination and notified.

[0004]

However, as described above, there has been a system in which a financial institution automatically informs a user who receives the payment of the fact of the payment as described above, but the balance of the user is not disclosed. Requested operation required. In addition, as described above, the schedule of automatic debit is automatically added and scheduled by various automatic transfer requests, so not only the account balance at the moment, but also the schedule of the automatic debit scheduled at that time. It has been desired to be automatically notified in advance including information as soon as possible.

[0005] In view of such a point, the present invention, when a request to change the account balance due to account transfer or the like for the user's account is found, the account balance, such as e-mail, by the method specified by the user, It is an object of the present invention to provide a means for automatically notifying a withdrawal schedule.

[0006]

The above-mentioned problems are solved by an account balance notification system configured as described below.

FIG. 1 is a block diagram of the present invention. In the figure, 1 is an account balance fluctuation information receiving means for receiving account balance fluctuation information for fluctuating an account balance, and 2 is an account balance notification for notifying an account user of an account balance fluctuated according to the received account balance fluctuation information. Means.

The information for changing the account balance includes, in addition to the billing data described above, billing data and the like, information that has been actually withdrawn, or an increase in the balance, such as payment information when a deposit has been made by transfer. There is also fluctuation information that causes the change.

It is desired that a user of an account of a financial institution be automatically notified without inquiring about an increase or decrease in the balance relating to his / her account. In particular, it is planned to prevent a shortage of the balance. The information of the decrease in the account balance due to the transfer process is useful. Such change information that reduces the balance of the account will be available at the time, when, how much, and from which account the transfer was made before the actual debit,
It is known that the account is to be withdrawn for any reason, and the account balance fluctuation information is received and stored by the account balance fluctuation information receiving means 1. Although not shown, the stored account balance fluctuation information is deleted when it is actually withdrawn at the scheduled date.

There are various methods of notifying the account balance, and the user can select a desired means. From the aspect of confidentiality, it is desirable to use electronic mail, that is, personal computer communication and the Internet. However, in order to maintain confidentiality, it is necessary to consider security measures such as a password and encryption. In addition, telephone and facsimile can be used, but there is a high possibility that information is leaked outside the parties concerned.
The problem can be solved by combining these means.

The account balance is notified so that the account balance notifying means 2 is activated when the account balance change information receiving means 1 receives new account balance change information. That is, it is possible to notify in advance when a new account balance change schedule is known. Also, the notification at the time of payment may be made only at that time, but the balance may fluctuate from moment to moment, and it may be necessary to monitor the balance periodically. For this purpose, the account balance notifying means 2 can be started periodically or automatically at a predetermined time.

Further, the contents of the notification can include not only the current value of the balance but also the unrequested billing information, the estimated balance estimated from the total of the stored billing information and the current balance, and the like.

[0013]

FIG. 2 is a block diagram showing an embodiment of the present invention. An embodiment of the present invention is an account balance notification system related to an automatic transfer service of a financial institution. Other factors that cause the account balance to fluctuate include deposits and withdrawals and window processing performed by the depositor himself using an automatic transaction machine such as an ATM, but here, changes in the account balance due to automatic transfer are targeted. Therefore, only the parts included in the computer system are shown.

This system functions under the control of a program operating on a computer shown as 10 in FIG. 2. Each of the components shown in FIG. 2 includes a network 12 and a terminal 13 connected to the computer system 10. And another connected computer system 11.

That is, the present embodiment shows an embodiment realized by a computer program executed on a computer used for a general purpose such as a personal computer, a workstation, a host computer or the like.

The account balance notification system of the present invention is realized by executing a computer program on a computer including a processing device, a main storage device, an auxiliary storage device, and an input / output device. The computer program is provided by being stored in a portable medium such as a floppy disk or a CD-ROM, or in a main storage device or an auxiliary storage device of another computer connected to a network. The recording medium of the computer program according to the present invention includes the portable medium, a main storage device,
This corresponds to the auxiliary storage device.

The provided computer program is loaded directly from the portable medium to the main storage device of the computer, or once copied or installed from the portable medium to the auxiliary storage device, and then loaded into the main storage device and executed. Also, when provided by being stored in another device connected to a network, it is also copied to an auxiliary storage device, loaded into a main storage device, and executed after receiving from another device via a network. The configuration and operation will be described below with reference to FIG. 2 and a detailed configuration diagram of each unit.

In FIG. 2, reference numeral 20 denotes transfer request data to be subjected to transfer processing, and information to be transferred between accounts includes, for example, a user who has made a purchase by a credit card from a credit company or the like and a user who has a deposit account. Based on a contract between the institution and the credit company that issued the credit card, it is recorded on a medium such as a magnetic tape and brought to a financial institution.

The transfer processing setting section 21 transfers the transfer processing schedule information to the transfer processing table 22 so that the processing of transferring the price purchased by the card user from the user's account to the credit company account is performed on a predetermined date. And set it. The transfer process setting unit 21 transfers the transfer process schedule information to the transfer request information storage unit 24. Although not shown, the transfer processing unit for transferring between accounts executes the account transfer to be processed on the day stored in the transfer processing table 22 each time the transfer is started.

The information notification request table 23 pre-sets a request of an account user requesting an account balance notification, and includes the contents shown in FIG. Here, three users having account numbers are set in advance to the financial institution with respect to the contents of notification of the balance-related information of their account, the notification destination address, and the notification time. As shown in FIG. 3, for example, for the user of the account number 1234, the content of the notification is B, that is, "In addition to the current balance, the transfer schedule is also required", the notification destination address is "TF00190" of the personal computer communication, The timing indicates Y, that is, “every transfer request”.

In some cases, the content of the notification may simply be the account balance, and in that case, it is set to "A". In addition, notification time,
If "X", it is desired to send a periodic notification, and here, the notification is made once a week. When the balance of the account does not fluctuate much or there is little fear that the balance will become negative even if there is little fear, it is used when it is sufficient to monitor the balance periodically. Specify "Z" only when it is determined that subtracting the total amount of future transfer requests from the current balance will be negative, especially if it is determined that there is a possibility that it will not be possible to withdraw without additional payment You want to be notified.

As described above, when the transfer processing setting section 21 sets the transfer processing schedule information in the transfer processing table 22 as described above, the transfer request information storage section 24 of FIG. hand over. FIG. 4A shows an example of the transfer processing schedule information. The content means that the 2,500 yen water bill will be transferred to the account number 1234 on September 15, 1997, so that the transfer processing setting unit 21 transfers the account number 1234 to the specified date on September 15th. Is set in the transfer processing table 22 and the same information is sent to the transfer request information storage unit 24. The transfer request information storage unit 24 searches the information notification request table 23 by the account number and knows the information notification request of the account user of the corresponding account number. In addition,
If the account number is not found, it is determined that there is no request for information notification, and the following processing is not performed.

When the notification content of the information notification request table 23 is “B”, that is, “need not only balance but also transfer processing schedule information”, the transfer processing schedule information is accumulated and stored in the transfer request information table 25. I do. FIG. 4B shows an example of the transfer request information table. In this case, transfer processing schedule information in the format of FIG. 4A is stored in the order of account numbers and stored in the form of a table in the order of account numbers. For example, the bill for the water bill is stored in a form accumulated together with the bill for 20,000 yen of the credit company A for the account number 1234. When the request for the notification content of the information notification request table 23 corresponding to the account number of the transfer processing schedule information is only the current balance, the request is not stored in the transfer request information table 25.

Next, the transfer request information storage unit 24 activates the account balance information creation unit 27. The account balance information creating unit 27 obtains the current account balance from the account master 28 basically provided in the financial institution, and obtains the account balance and the information notification request table 2
When necessary, based on the contents of 3, the account balance information is created based on the transfer request information stored in the transfer request information table 25 corresponding to the corresponding account number. FIG. 5 illustrates an account master. The account master is linked with various information corresponding to the account number, and has basic information for managing customers of the financial institution based on the account number.
Here, a state is shown in which the account balance is stored corresponding to the account number. For example, it can be seen that the account balance of the user of the account number 1234 is 10,000 yen.

FIG. 6 shows an example of account balance information created from the above information. That is, the transfer request data 2
The account balance information creating unit 27, which is activated after 0 is brought in and the transfer schedule information is processed in the transfer request information storage unit 24, creates account balance information as shown in FIG. On the day, the account balance as of August 29, 1997 was "100,000 yen", two transfer requests were made,
Credits and water bills are scheduled to be withdrawn,
Furthermore, the total of these scheduled transfers is 22,500 yen,
Balance after deduction estimated from current balance is 77,50
The fact that it is 0 yen is created as the notification content. In the case of the account number 7777, a notification of only the current balance is created as in the example shown in the explanatory diagram of the information notification schedule table.

FIG. 7 shows a flowchart of the account balance information creating section. The operation of creating account balance information and notifying the balance by electronic mail of the account balance information transmitting unit 29 will be described with reference to this flowchart.

In step S70, requests are taken out of the information notification request table 23 in the order of account numbers. Step S71
Confirms that the processing has been completed for all the requested account users, and ends the processing. In step S72, one account balance information notification request taken out is temporarily stored, and the process of creating and transmitting the account balance information proceeds according to the request described here.

First, in step S73, an account balance is retrieved from the account master 28 using the temporarily stored account number and set as account balance information. In step S74, the content of the temporarily stored information notification request is checked. If the content of the notification is only the balance, all the information to be transmitted and notified is completed, and the process proceeds to the transmission process in step S77.

Information that is requested to be notified that there is a transfer schedule and that the possibility of withdrawal is to be notified is further edited. In step S75, the transfer request information table 25 is searched by the account number in the temporarily stored information notification request, and all the corresponding transfer request information is extracted and temporarily stored. That is, when there are multiple withdrawal plans for the same account, they are all accumulated and are taken out.

In step S76, the account balance information is edited based on the temporarily stored transfer request information and added to the previously set account balance, and the creation date, account number, total transfer request, estimated balance after transfer, transfer Process and edit billing information breakdown. With this, the information to be notified is prepared, so that the process starts from step S77. When the notification time of the temporarily stored information notification request is checked to notify only when an alarm occurs, it is checked in step S78 whether the edited estimated post-transfer estimated balance is negative, and no notification is made except when it is negative. Like that. This is a process in which notification is not required every time a request is made, but notification is desired only when a possibility that the balance becomes negative is found. The e-mail notification is transmitted to the center and the server 11 according to the notification destination address in the information notification request via the network 12 by activating the account balance information transmission unit 29 in step S79. Content can be read from the terminal 13 such as a personal computer.

Further, the following can be considered as other embodiments. In the above-described embodiment, the change in the account balance has been described in connection with a case where an account transfer is requested. However, a notification may also be triggered in the case of a transfer from another source. As a result, it is possible to confirm not only a simple payment notification but also a sense of security by the notification of the balance. Further, the notification may be made when the debit is actually performed.

The notifying means presented the e-mail, which includes personal computer communication and e-mail via the Internet. Further, as a method of notifying the account user of the account balance via a network, a dedicated terminal such as voice mail, FAX, and home banking by voice may be used. Further, a plurality of means may be prepared by ordering these notification means. For example, it is notified that there is information to be notified by telephone, voice mail, etc.
After confirming with the user that notification at X is required, F
Steps for maintaining confidentiality, such as notifying detailed information by transmitting an AX, can also be set. Or FA
Since there is a notification by X, it is possible to send only a message urging the user to see the e-mail immediately, and to transmit the confidential information by means protected by encryption so that the notification can be received quickly and accurately.

[0033]

As is apparent from the above description, according to the present invention, when a request to change the account balance, such as automatic debit of the user's account by account transfer, is found, or when the account balance is When a shortage is predicted, the system will automatically notify the user of the current account balance and the scheduled debit by e-mail or other method specified by the user. The economic effects of avoiding in advance and having a safer social life and facilitating production activities can be obtained.

[Brief description of the drawings]

FIG. 1 is a block diagram of the present invention.

FIG. 2 is a configuration diagram of an embodiment of the present invention.

FIG. 3 is an explanatory diagram of an information notification request table.

FIG. 4 is an explanatory diagram of transfer processing schedule information and a transfer request information table.

FIG. 5 is an explanatory diagram of an account master.

FIG. 6 is an explanatory diagram of account balance information.

FIG. 7 is a flowchart of an account balance information creating unit.

[Explanation of symbols]

 1 Account balance fluctuation information receiving means 2 Account balance notification means

Claims (6)

[Claims] 1. An account balance fluctuation information receiving means for receiving account balance fluctuation information for changing an account balance, an account balance notification means for notifying an account user of an account balance fluctuated according to the received account balance fluctuation information, An account balance notification system comprising: 2. The account balance notification system according to claim 1, wherein said account balance notification means notifies said account balance fluctuation information together with an account balance. 3. The account balance notification system according to claim 1, wherein said account balance notification means notifies an e-mail to a preset destination as a communication means. 4. The account balance notification system according to claim 1, wherein said account balance notification means is activated even at a preset time. 5. The account balance notifying means, when an estimated account balance estimated from a transfer amount estimated from the account balance based on the received account balance fluctuation information becomes equal to or less than a predetermined amount, the account user. 5. The account balance notification system according to claim 1, wherein the notification is made. 6. An account balance fluctuation information receiving means for receiving account balance fluctuation information for fluctuating an account balance, an account balance notifying means for notifying an account user of an account balance fluctuated according to the received account balance fluctuation information. And a computer-readable recording medium having recorded thereon a program for functioning as a computer.